Ellaby Pollard was established in 1979, operating as a firm of Independent Financial Advisers.

Since then we have enjoyed steady and continuous growth by meeting the needs of a variety of clients and remaining truly independent in both name and spirit. Ellaby Pollard has an enviable reputation for providing high quality...

As an advisory business providing whole of market independent advice to clients, we firstly need to gain a broad background of your financial circumstances and also understand your financial requirements and the type and complexity of financial advice that you might need. In order to do this we need to have an initial exploratory discussion with you...

Many people have goals and dreams, but a goal without a plan is just a wish... an achievable goal is a dream with a deadline...

Here's how we formulate the plan towards your goals: We meet together to discuss your personal circumstancesand your current financial situation. We'll go into detail so that we can draw up a complete picture of where...

Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future...

You will almost certainly have plans of one kind or another - buying a home, starting a family, living abroad, perhaps retiring...

When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance or windfall, then you need to provide yourself with a secure income for the rest of your life.

Inheritance tax (IHT) is perhaps not quite the ‘voluntary’ tax it was once considered. However, careful planning to ensure you take advantage of all the allowances and reliefs available could save your family a significant tax burden relatively easily.

We believe you should be able to spend time in your business doing what you do best. We know you can worry about company financial planning issues so, passing these concerns to us, enables us to use our skills to...

Owner managers and directors face very specific issues. No matter what stage you are at – just starting out...

Often, people save for a specific reason and it's usually the safest way to build up a pot of money. It’s less risky than investing, but it offers limited growth. The most you'll earn on the money you save is the interest added.

Saving is perfect for people who don’t want to take any risks with their money, and most savings accounts have easy access...

Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die.

Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange...

The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business...

It can provide the reassurance of financial protection for you, your family and your business associates.

Cash flow modelling, in its simplest form, is the process of assessing your current and forecasted wealth, along with inflows (income) and outflows (expenditure), to enable a picture to be created of your finances both now and in the future.

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Corporate Planning Matters

We believe you should be able to spend time in your business doing what you do best. We know you can worry about company financial planning issues so, passing these concerns to us, enables us to use our skills to assist you in the growth and development of your business.

Owner managers and directors face very specific issues. No matter what stage you are at – just starting out, well established, or looking to sell and move on, we can help. Our ultimate aim is to do all we can to help make you, your family and your business wealthier and more financially secure.

Every business has different circumstances and priorities. Some come to us for advice for a particular requirement; others are looking for an ongoing service. Whichever path you take, it will always be your decision which of our services you choose to use.

We can provide you with advice on the following key areas:

WORKPLACE PENSIONS

Auto-enrolment: The Government has now made it compulsory for you to start, and contribute to, a pension scheme for your employees. Depending on your company's size, you will already have been given a staging date which tells you when you need to have acted by. It will be your responsibility to automatically enrol your employees as they become eligible. This is as a much an administrative burden as it is a responsibility to pick the right scheme, make sure it has been approved, ensure it has the right fund choices for your employees and that your employees are fully informed about their options. There are big fines for companies that don’t comply - depending on your size.

Company and Directors’ schemes: If you want to offer better pension terms to your key directors and senior managers, you can provide enhanced pension terms to recognise their value to your business. This is an area of financial planning that can assist in the development of your business in the most tax efficient manner. Some of the options available are:

Small Self-Administered Schemes (SSAS)

Self-Invested Personal Pensions (SIPP)

Personal Pensions, either individual accounts, or part of a Group scheme

These can be used as a real business planning tools in all sorts of ways to help your business. Your corporate pension could actually be an effective business partner if you use it wisely.

EMPLOYEE BENEFITS

All businesses rely on one vital ingredient: people. In a highly competitive business environment, the difference between success and failure can often be measured by the quality of a company’s workforce. More often than not, it is their skills and abilities which are the key factors in shaping the success of the organisations that employ them.

However, recruiting and retaining people with the right kinds of skills and attributes can prove difficult. Securing their commitment and loyalty therefore is of paramount importance and one of the most effective ways of achieving this is through the provision of additional employee benefits.

These may include:

Group Life Cover

Group Income Protection

Group Critical Illness Protection

Group Private Medical Insurance

Group Dental Cover

Group Life, Income Protection and Critical Illness: These are important benefits that not only form a key part of a comprehensive employee benefits package but also enable you to manage your business more effectively by providing you with the means to financially support your employees and/or their families at a particularly difficult time.

Private Medical and Dental Insurance: These are additional benefits that may be considered to help ensure your employees’ health and well-being are provided for, thereby reducing their absence from work whilst waiting for medical treatment.

PROTECTING KEY PEOPLE

Keyman insurance: Many companies have a key person who is responsible for the majority of profits, or has a unique and hard to replace skill set, such as intellectual property, that is vital to the organization. An employer may take out a key person insurance policy on the life or health of any employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company. The employer does this to offset the costs (such as hiring temporary help or recruiting a successor) and losses (such as a decreased ability to transact business until successors are trained) which the employer is likely to suffer in the event of the loss of a key person.

Shareholder/Partnership insurance: The loss of a partner, member or shareholding director can have a major impact on the success of a business in terms of ensuring continued control for the remaining owners. The purpose of arranging insurance policies is to provide the remaining business owners with the capital to buy back equity, to retain control of their business. It will also make sure the estate of the deceased owner, or the outgoing critically ill owner, gets fair value for selling their share of the business.

You are forced by law to insure your car, so you are used to paying a price for this cover. Now consider why you wouldn't want to insure something far more valuable to you, your loved ones and your business?

We believe you should be able to spend time in your business doing what you do best. We know you can worry about company financial planning issues so, passing these concerns to us, enables us to use our skills to assist you in the growth and development of your business.

Owner managers and directors face very specific issues. No matter what stage you are at – just starting out, well established, or looking to sell and move on, we can help. Our ultimate aim is to do all we can to help make you, your family and your business wealthier and more financially secure.

Every business has different circumstances and priorities. Some come to us for advice for a particular requirement; others are looking for an ongoing service. Whichever path you take, it will always be your decision which of our services you choose to use.

We can provide you with advice on the following key areas:

WORKPLACE PENSIONS

Auto-enrolment: The Government has now made it compulsory for you to start, and contribute to, a pension scheme for your employees. Depending on your company's size, you will already have been given a staging date which tells you when you need to have acted by. It will be your responsibility to automatically enrol your employees as they become eligible. This is as a much an administrative burden as it is a responsibility to pick the right scheme, make sure it has been approved, ensure it has the right fund choices for your employees and that your employees are fully informed about their options. There are big fines for companies that don’t comply - depending on your size.

Company and Directors’ schemes: If you want to offer better pension terms to your key directors and senior managers, you can provide enhanced pension terms to recognise their value to your business. This is an area of financial planning that can assist in the development of your business in the most tax efficient manner. Some of the options available are:

Small Self-Administered Schemes (SSAS)

Self-Invested Personal Pensions (SIPP)

Personal Pensions, either individual accounts, or part of a Group scheme

These can be used as a real business planning tools in all sorts of ways to help your business. Your corporate pension could actually be an effective business partner if you use it wisely.

EMPLOYEE BENEFITS

All businesses rely on one vital ingredient: people. In a highly competitive business environment, the difference between success and failure can often be measured by the quality of a company’s workforce. More often than not, it is their skills and abilities which are the key factors in shaping the success of the organisations that employ them.

However, recruiting and retaining people with the right kinds of skills and attributes can prove difficult. Securing their commitment and loyalty therefore is of paramount importance and one of the most effective ways of achieving this is through the provision of additional employee benefits.

These may include:

Group Life Cover

Group Income Protection

Group Critical Illness Protection

Group Private Medical Insurance

Group Dental Cover

Group Life, Income Protection and Critical Illness: These are important benefits that not only form a key part of a comprehensive employee benefits package but also enable you to manage your business more effectively by providing you with the means to financially support your employees and/or their families at a particularly difficult time.

Private Medical and Dental Insurance: These are additional benefits that may be considered to help ensure your employees’ health and well-being are provided for, thereby reducing their absence from work whilst waiting for medical treatment.

PROTECTING KEY PEOPLE

Keyman insurance: Many companies have a key person who is responsible for the majority of profits, or has a unique and hard to replace skill set, such as intellectual property, that is vital to the organization. An employer may take out a key person insurance policy on the life or health of any employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company. The employer does this to offset the costs (such as hiring temporary help or recruiting a successor) and losses (such as a decreased ability to transact business until successors are trained) which the employer is likely to suffer in the event of the loss of a key person.

Shareholder/Partnership insurance: The loss of a partner, member or shareholding director can have a major impact on the success of a business in terms of ensuring continued control for the remaining owners. The purpose of arranging insurance policies is to provide the remaining business owners with the capital to buy back equity, to retain control of their business. It will also make sure the estate of the deceased owner, or the outgoing critically ill owner, gets fair value for selling their share of the business.

You are forced by law to insure your car, so you are used to paying a price for this cover. Now consider why you wouldn't want to insure something far more valuable to you, your loved ones and your business?

Client Testimonials

My wife and I have been clients of the firm for at least twenty five years. We have always valued the advice which we have been given and have appreciated the way financial matters have been carefully explained to us. At all times we have found them readily approachable.

Mr & Mrs D, Worcs

My first encounter with Ellaby-Pollard was back in the 1990's when we were grappling with the complexities of a "self-administered" company-based, pension scheme, alongside a whole range of employee schemes. I was impressed with the time and effort that Ellaby Pollard put into the work and the high level of support and dedication that went with it. As a result of this, I chose to move my personal pension scheme (SIPP) to EP and, more recently, all my other equity investments too, so that they would be managed under one roof.

Mr R, Cheltenham

I have been advised by Ellaby Pollard for many years now. At all times I have appreciated their professionalism and proactive help. Most of all, I have valued their ability to set out options and advice in clear and intelligible terms.

Mr P, Thames Valley

I have made use of Ellaby Pollard’s financial services for over 20 years now and have always found their advice to be helpful, factual and explained in a way that non-financial customers like me can understand. Their new website is another example of how they are trying to demystify the myriad of financial rules and regulations to provide fair and impartial advice to help me plan for a successful and financially secure retirement.

Mr L, Oxford

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Our Areas Of Expertise

Financial Planning

Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers, we can help you make informed decisions about your financial future; short, medium and long term.

Retirement Planning

When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance, you need to provide yourself with a secure income for the rest of your life.

Corporate Planning

We believe you should be able to spend time in your business doing what you do best. We know you can worry about company financial planning issues so, passing these concerns to us, enables us to use our skills to assist you

Savings & Investments

Often, people save for a specific reason and it's usually the safest way to build up a pot of money. It’s less risky than investing, but it offers limited growth. The most you'll earn on the money you save is the interest added.

Taxation

Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die.Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange your finances.

Protection

The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.

Cash Flow Modelling

Cash flow modelling, in its simplest form, is the process of assessing your current and forecasted wealth, along with inflows (income) and outflows (expenditure), to enable a picture to be created of your finances both now and in the future.